Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 151–165 results
- First Westroads BankCertificates of DepositCD · 12 months · $500 min
Bank · Add a location to see nearby branches
4.28%APY$428 over 1 year on $10,0004.21% interest rate
Rate checked
More details - Brainerd BN Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.27%APY$427 over 1 year on $10,000Requirements
Product: All accounts provided by BBNCU are insured with the NCUA up to $250,000. $1,000.00 minimum opening deposit. Dividends are posted quarterly. Additional deposits are not allowed (except at maturity). Withdrawals are allowed only at maturity. Automatic renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Dividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal.
4.20% interest rate
Rate checked
More details - Community National BankCD Special: Online OnlyCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.27%APY$427 over 1 year on $10,000intro rateRequirements
Product: Only available to Consumer Customers. No Institutional or Public Funds are eligible for this promotion. Not available for IRA's.
Offer: Online only. Only available to Consumer Customers. No Institutional or Public Funds are eligible for this promotion. Not available for IRA's. Minimum deposit of $1,000.00 is required to obtain APY. Maximum amount to open CD is $90,000.
Promotional rate · Balance cap $90,000 · Effective Oct 2, 2026
Rate checked
More details - 4.27%APY$427 over 1 year on $10,000intro rate
Requirements
Product: Must be new money not currently on deposit at Sonata Bank. Rate specials are available to consumers in Tennessee.
Offer: Applies to the initial term of a new 12-month CD Special. Must be new money to Sonata Bank. Available to consumers in Tennessee.
Promotional rate · Effective Sep 25, 2026
Rate checked
More details - Hometown Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.27%APY$427 over 1 year on $10,000Requirements
Product: Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
Offer: Available to members ages 21 years & younger. Early withdrawal penalty: 90 days dividends.
4.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Chattanooga Federal Employees Credit UnionCertificateCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.27%APY$427 over 1 year on $10,0004.20% interest rate
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More details - Woodlands National BankStandard CD RatesCD · 12 months · $1,000 min · 4.26%–4.37% by balance
Bank · Add a location to see nearby branches
4.26%APY$426 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.22% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.26% $50,000 and up 4.37% Rate checked
More details - Park BankCertificate of DepositCD · 12 months · $2,500 min · 1.71%–4.26% by balance
Bank · Add a location to see nearby branches
4.26%APY$426 over 1 year on $10,000intro rateRequirements
Product: Penalties may be imposed for early withdrawal.
Offer: Less than $10,000 Minimum Daily Balance to Earn Annual Percentage Yield; 1 Year term.
Promotional rate · 1.70% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $10,000 1.71% $10,000 and upYour amountInterest rate on the 1-year CD is a special, limited time offer. 4.26% Rate checked
More details - Washita State BankWSB Traditional CDCD · 12 months · $1,000 min
Bank · Add a location to see nearby branches
4.26%APY$426 over 1 year on $10,000Requirements
Product: Minimum balance of $1,000 to earn APY. Early Withdrawal Penalties May Apply. Interest Rates are Subject to Change Without Notice.
Offer: Early Withdrawal Penalties May Apply. Interest Rates are Subject to Change Without Notice.
4.18% interest rate · Effective Sep 25, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 6–12 months
Credit union · Add a location to see nearby branches
4.25%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 6 months (180-364 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APYintro rateRequirements
Product: Membership required. New money only. Member selects term between 9 and 60 months at opening. At maturity, automatically converts to a non-promotional 1-year Share Certificate. Early withdrawal penalties apply. No liquid option.
Offer: New money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly.
Promotional rate · 4.16% interest rate · Effective Sep 15, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - Educational Systems Federal Credit UnionCertificateCD · 12 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Standard (non-Star) rate. Membership required. Dividends compounded and credited quarterly. Additional deposits not permitted after opening. Automatically renewed.
Promotional rate · 4.18% interest rate · Effective Oct 19, 2026
Rate checked
More details - Montana Educators' Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Jan 22, 2026
Rate checked
More details - RIM Country FCUShare CertificateCD · 12 months · $2,500 min
Credit union · Add a location to see nearby branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: All rates subject to change without notice. Fee for early withdrawal: $10.00, in addition up to 30 days of interest may be forfeited.
Offer: New Certificates
Promotional rate · 4.25% interest rate · Effective Sep 24, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay nationwide
5,320 CDs at 4,386 banks and credit unions · checked Oct 15–22
- Typical
- 3.30%
- Top 10% from
- 4.05%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.40%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank